Effective loss control is the single most actionable lever a business has to reduce claims frequency and severity—and, over time, to lower insurance premiums and …
Buying Direct from Carriers: Pros, Cons and When It’s the Right Choice for Your Business
Updated: January 24, 2026Author: Senior Procurement & Commercial Insurance Analyst (U.S. market) Buying insurance directly from carriers (insurers) is an increasingly visible distribution path in …
Negotiating Broker Fees and Commissions: Tactics to Improve Transparency and Lower Costs
Understanding and negotiating broker fees and commissions is a core competency for procurement teams buying commercial insurance. Distribution costs can represent a substantial portion of …
Marketplace vs Traditional Broker: Speed, Coverage Depth and When to Use Each for Complex Risks
Content pillar: Procurement — Brokers, Agents, Marketplaces & Direct CarriersContext: Business insurance essentials (U.S. market) — ultimate guide for procurement teams, risk managers and executives …
Real-World Pricing Examples: Premiums for Small Contractors, Retailers and Tech Startups
Content pillar: Cost, Pricing & Ways to Lower Premiums — Business insurance essentials (U.S. market) Understanding how insurance carriers price small-business risks is one of …
Negotiation Checklist: How to Lower Quoted Rates and Get Better Coverage from Brokers
A practical, play-by-play ultimate guide for U.S. business owners, risk managers, and procurement leads who want to reduce insurance costs without sacrificing protection. This guide …
Business Insurance Essentials: Broker vs Agent vs Marketplace — Which Channel Saves You Money?
Choosing the right distribution channel for commercial insurance is one of the highest-leverage procurement decisions a business buyer can make. The difference between the right …
Evaluate Your Broker: Key Performance Metrics, Commissions and Binding Authority to Check
Understanding how well your insurance broker performs is a procurement imperative for any business buying commercial insurance in the United States. Brokers influence price, coverage …
How to Compare Quotes Properly: Beyond Price — Limits, Deductibles, Exclusions and Endorsements
Content pillar: Procurement: Brokers, Agents, Marketplaces & Direct CarriersContext: Business insurance essentials (United States)Length: Ultimate guide — comprehensive, practical, and procurement-ready Table of contents Introduction: …
How to Run an RFP for Commercial Insurance: Templates and Questions for Large Accounts
A practical, step-by-step ultimate guide for procurement teams, risk managers, and finance leaders who need to run an effective, defensible Request for Proposal (RFP) for …